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保险公司破产会造成很大的危害。本文列举了发达国家部分保险公司破产的案例,分析了其破产原因,对照中国保险业发展情况进行了比较。结论指出,虽然目前中国还没有保险公司破产的案例,但定价过低、投资风险加大、业务发展过快、再保险能力弱、过度依赖中介等导致保险公司破产的主要风险在我国也普遍存在,某些风险相对偏高。建议通过采取费率管制,推动保险资金专业化运用,限制投资比例,支持保险公司上市,增强再保险能力,规范中介机构,强化保险公司信息披露等一系列措施,降低我国保险公司的破产风险。
Bankruptcy of insurance companies can cause a lot of damage. This article lists some cases of bankruptcy of some insurance companies in developed countries, analyzes the causes of bankruptcy, and compares the development of China’s insurance industry. The conclusion points out that although there are no cases of bankruptcy of insurance companies in China at present, the main risks such as low pricing, increased investment risk, too fast business development, weak reinsurance capability and excessive reliance on intermediaries are also common in our country. Some risks are relatively high. It is suggested that a series of measures should be taken to reduce the bankruptcy risk of the insurance companies in our country by adopting rate control, promoting the professional use of insurance funds, limiting the proportion of investment, supporting the listing of insurance companies, strengthening the ability of reinsurance, standardizing the intermediary institutions and strengthening the information disclosure of insurance companies.